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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $33,735 | $55,902-39.7% | $76,030-55.6% | $80,959-58.3% |
| Participation rate | 38.3% | 62.1%-23.7pp | 69.1%-30.7pp | 67.7%-29.3pp |
| Annual return | 17.81% | 20.59%-2.8pp | 361.54%-343.7pp | 35.67%-17.9pp |
| Employer contribution / active EE | $588 | $1,867-68.5% | $2,688-78.1% | $2,757-78.7% |
| Participant deferral / active EE | $3,464 | $3,051+13.6% | $4,257-18.6% | $4,300-19.4% |
| Admin fee / account holder | $2,571 | $5,239-50.9% | $6,421-59.9% | $6,925-62.9% |